Mr. David Duffy:

I am, Senator. I don't believe that by any manner of definition that you would apply that it is complete and finished work. I believe that we have stabilised return to stability, applied all of the appropriate governance that we would wish to have to prevent reoccurrences of this magnitude, but I still think we are on a journey in terms of deeply embedding a culture which is about delivering for our customer rather than the lifestyle or livelihood that you have by being in a bank.